Pre-existing conditions are likely not to be covered. Please read the policy carefully to ensure that it complies with your requirements and notify us immediately if amendments are necessary. In particular, please take note of the Exclusions contained in the policy. Your policy also contains a number of Conditions (particularly the exclusion of Pre-Existing Conditions). We recommend that you familiarize yourself with these Conditions as failure to comply may affect the settlement of a claim by your insurers.